National Bank Of Kuwait K.s.c. · KSE:NBK
National Bank Of Kuwait K.s.c — National Bank of Kuwait — ESG Presentation (July 2026)
47 slides from National Bank Of Kuwait K.s.c's sustainability presentation, July 2026
Slide 1: National Bank of Kuwait – ESG Investor Presentation
PUBLIC National Bank of Kuwait – ESG Investor Presentation (2025-2026) July 2026 National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 1
Slide 2: Disclaimer
PUBLIC Disclaimer THE INFORMATION SET OUT IN THIS PRESENTATION AND PROVIDED IN THE DISCUSSION SUBSEQUENT THERETO DOES NOT CONSTITUTE AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL SECURITIES. IT IS SOLELY FOR USE AT AN INVESTOR PRESENTATION AND IS PROVIDED AS INFORMATION ONLY. THIS PRESENTATION
Slide 3: Index
PUBLIC Index Our Key ESG Highlights 4 NBK ESG Strategy and Approach 6 Responsible Banking 12 Governance For Resilience 26 Capitalizing on Our Capabilities 31 Investing in Our Communities 36 Appendix 40 National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 3
Slide 4: Our Key ESG Highlights
PUBLIC Our Key ESG Highlights National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 4
Slide 5: ESG at a Glance – Key Highlights
PUBLIC ESG at a Glance – Key Highlights Responsible Governance For Capitalizing on Our Investing in Our Banking Resilience Capabilities Communities Sustainable Finance Corporate Governance Human Capital Management Community Investments ▪ Total training hours: 83,212 ▪ 2025 community investments: ▪ U
Slide 6: NBK’s ESG Strategy and Approach
PUBLIC NBK’s ESG Strategy and Approach National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 6
Slide 7: Advancing NBK’s ESG Strategy
PUBLIC Advancing NBK’s ESG Strategy Strategic Foundation Integration Enhanced Future Refresh (2023) Phase Focus Direction (2026) In 2023, NBK launched Since then, NBK has In 2026, the Strategy The updated Strategy Grounded in NBK’s its inaugural ESG systematically integrated was reviewed and reinfor
Slide 8: Where We Are Headed: ESG Vision and Mission
PUBLIC Where We Are Headed: ESG Vision and Mission VISION MISSION STATEMENT STATEMENT To lead in shaping a financial system We aim to create enduring value for that delivers inclusive prosperity and our stakeholders by embedding creates lasting value for people and environmental and social principle
Slide 9: NBK Group ESG Strategy – Enhanced Framework
PUBLIC NBK Group ESG Strategy – Enhanced Framework National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 9
Slide 10: Stakeholder Impact and Engagement
PUBLIC Stakeholder Impact and Engagement Determining what ESG-related risks, issues, impacts and opportunities are most important for NBK, and its stakeholders is a critical element in formulating and defining the Group’s ESG Strategy and approach. In 2025, NBK conducted a materiality refresh, apply
Slide 11: External Engagement and Recognition
PUBLIC External Engagement and Recognition ESG Ratings* ESG Awards & Partnerships National and Global Global Finance 2025 Frameworks Upgraded to “A” from “BBB” ▪ Best Bank for Sustainable Finance in Kuwait ▪ Safest Bank in Kuwait ▪ Best Private Bank for Sustainable Investing in the Middle East Signi
Slide 12: Responsible Banking
PUBLIC Responsible Banking National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 12
Slide 13: Financing the Transition
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Sustainable Finance Approach Sustainable Finance Progress Sustainable Financing Framework Financing the Transition NBK defines sustainable finance as the integration of environmental and social consid
Slide 14: Sustainable Finance Triumphs
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Sustainable Finance Approach Sustainable Finance Progress Sustainable Financing Framework Sustainable Finance Triumphs NBK continues to make strong progress in sustainable finance, with USD 5.9 billio
Slide 15: Sustainable Financing Framework
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Sustainable Finance Approach Sustainable Finance Progress Sustainable Financing Framework Sustainable Financing Framework NBK’s Sustainable Financing Framework reflects its commitment to integrating E
Slide 16: Pillar 1: Use of Proceeds
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Sustainable Finance Approach Sustainable Finance Progress Sustainable Financing Framework Pillar 1: Use of Proceeds Eligible Green Asset Categories: Under the new Framework, NBK can issue the followin
Slide 17: Pillar 2: Process for Evaluation & Selection
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Sustainable Finance Approach Sustainable Finance Progress Sustainable Financing Framework Pillar 2: Process for Evaluation & Selection All potential eligible assets undergo a robust, multi-step assess
Slide 18: Pillar 3: Management of Proceeds
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Sustainable Finance Approach Sustainable Finance Progress Sustainable Financing Framework Pillar 3: Management of Proceeds NBK’s inaugural Sustainable Financing Framework, launched in 2022, will remai
Slide 19: Pillar 4: Reporting & External Review
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Sustainable Finance Approach Sustainable Finance Progress Sustainable Financing Framework Pillar 4: Reporting & External Review For each Sustainable Financing Instrument, NBK commits to publishing an
Slide 20: 2022 Sustainable Financing Framework – Allocation Report
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Sustainable Finance Approach Sustainable Finance Progress Sustainable Financing Framework 2022 Sustainable Financing Framework – Allocation Report In May 2025, NBK published its inaugural Allocation &
Slide 21: 2026 Sustainable Financing Framework – Identified Assets
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Sustainable Finance Approach Sustainable Finance Progress Sustainable Financing Framework 2026 Sustainable Financing Framework – Identified Assets ▪ As of 31 March 2026, NBK has identified approximate
Slide 22: Second Party Opinion (SPO)
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Sustainable Finance Approach Sustainable Finance Progress Sustainable Financing Framework Second Party Opinion (SPO) NBK engaged with Sustainable Fitch to provide a Second Party Opinion on the 2026 Su
Slide 23: Climate Risk Management
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Climate Risk Management ESG considerations are embedded across NBK’s risk management and lending activities, supported by dedicated governance, advanced climate risk assessment capabilities, and consi
Slide 24: Environmental Footprint from Operations
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Environmental Footprint from Operations NBK has consistently demonstrated its commitment to environmental stewardship through a structured and comprehensive environmental management approach that inte
Slide 25: Responsible Procurement
PUBLIC Sustainable Finance Climate Risk Management Environmental Management Responsible Procurement Responsible Procurement NBK integrates ESG considerations across supplier onboarding, selection, and monitoring processes to strengthen supply chain resilience, improve operational efficiency, and sup
Slide 26: Governance For Resilience
PUBLIC Governance For Resilience National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 26
Slide 27: Governance & Accountability for Sustainable Value Creation
PUBLIC Corporate Governance Enterprise Risk Management Transparency & Accountability Governance & Accountability for Sustainable Value Creation NBK is committed to maintaining robust governance practices and frameworks that support long-term sustainability, underpinned by strong corporate governance
Slide 28: ESG Governance Framework
PUBLIC Corporate Governance Enterprise Risk Management Transparency & Accountability ESG Governance Framework In 2026, alongside the update of the Group’s ESG Strategy, NBK enhanced its ESG governance framework to better support its evolving strategic priorities and future ambitions. The Board of Di
Slide 29: Integrated Risk Management for Resilience
PUBLIC Corporate Governance Enterprise Risk Management Transparency & Accountability Integrated Risk Management for Resilience NBK's Enterprise Risk Management framework integrates sustainability, resilience, and digital risk governance across all risk disciplines, strengthening the Bank's ability t
Slide 30: Enhancing Trust & Stakeholder Confidence
PUBLIC Corporate Governance Enterprise Risk Management Transparency & Accountability Enhancing Trust & Stakeholder Confidence NBK promotes transparency and accountability through comprehensive ESG disclosures, active stakeholder engagement, responsible customer practices, and participation in initia
Slide 31: Capitalizing on Our Capabilities
PUBLIC Capitalizing on Our Capabilities National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 31
Slide 32: Developing Talent for Sustainable Growth
PUBLIC Human Capital Management Employee Engagement & Wellbeing Diversity, Equity, & Inclusion Digital Transformation Developing Talent for Sustainable Growth NBK is strengthening its workforce through talent attraction and nationalization initiatives, continuous learning and leadership development
Slide 33: Fostering an Engaged and Healthy Workplace
PUBLIC Human Capital Management Employee Engagement & Wellbeing Diversity, Equity, & Inclusion Digital Transformation Fostering an Engaged and Healthy Workplace NBK supports employee wellbeing through structured engagement, flexible work-life benefits, health and wellness initiatives, and leadership
Slide 34: Advancing Diversity, Inclusion and Equal Opportunity
PUBLIC Human Capital Management Employee Engagement & Wellbeing Diversity, Equity, & Inclusion Digital Transformation Advancing Diversity, Inclusion and Equal Opportunity NBK adopts a data-driven approach to diversity by systematically tracking key metrics and implementing targeted initiatives align
Slide 35: Digitalization at the Core
PUBLIC Human Capital Management Employee Engagement & Wellbeing Diversity, Equity, & Inclusion Digital Transformation Digitalization at the Core Aligned with NBK’s Digital Transformation Strategy, the Bank continues to leverage technology and innovation to enhance customer experience, streamline ope
Slide 36: Investing in Our Communities
PUBLIC Investing in Our Communities National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 36
Slide 37: Creating Positive Community Impact
PUBLIC Community Investments Financial Inclusion & Accessibility Customer Experience & Satisfaction Creating Positive Community Impact NBK supports sustainable social development through targeted community investments, strategic partnerships, and social impact programs that promote education, youth
Slide 38: Expanding Access to Financial Services
PUBLIC Community Investments Financial Inclusion & Accessibility Customer Experience & Satisfaction Expanding Access to Financial Services NBK promotes financial inclusion by expanding access to affordable and accessible financial services, leveraging digital channels, and developing tailored soluti
Slide 39: Enhancing Customer Experience & Satisfaction
PUBLIC Community Investments Financial Inclusion & Accessibility Customer Experience & Satisfaction Enhancing Customer Experience & Satisfaction NBK places customer experience at the center of its strategy, leveraging digital innovation, customer insights, and continuous service enhancements to deli
Slide 40: Appendix
PUBLIC Appendix National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 40
Slide 41: 1. Data Performance Tables
PUBLIC 1. Data Performance Tables National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 41
Slide 42: Environmental
PUBLIC Environmental Metric Calculation 2025 2024 E1.1) Total amount, in CO2 equivalents, for Scope 1 (if applicable) 777.13 mtCO₂e 2,847.92 mtCO2e GHG Emissions E1.2) Total amount, in CO2 equivalents, for Scope 2 (if applicable) 23,530.00 mtCO₂e 24,969.08 mtCO2e E1.3) Total amount, in CO2 equivalen
Slide 43: Social
PUBLIC Social Metric Calculation 2025 2024 Ratio: Median male compensation to median female Gender Pay Ratio N/A N/A compensation S3.1) Percentage: Year-over-year change for full-time employees 0.65% increase YoY 1.33% increase YoY Employee Turnover S3.2) Percentage: Year-over-year change for part-t
Slide 44: Governance
PUBLIC Governance Metric Calculation 2025 2024 91% male representation 91% male representation G1.1) Percentage: Total board seats occupied by men and women Board Diversity 9% female representation 9% female representation G1.2) Percentage: Committee chairs occupied by men and women 100% occupied by
Slide 45: 2. Latest Disclosures & Publications
PUBLIC 2. Latest Disclosures & Publications National Bank of Kuwait – ESG Investor Presentation July 2026 National Bank of Kuwait 45
Slide 46: Latest Disclosures & Publications
PUBLIC Latest Disclosures & Publications Annual Report Sustainability Report Green Bond Allocation & TCFD Report To view our latest financial Impact Report reports and investor presentations, visit: NBK | Investor Relations To view our Sustainable Financing Framework & SPO, visit: NBK | Sustainable
Slide 47: Thank You.
PUBLIC For more information, please visit nbk.com or contact: Investor Relations E: Investor-Relations@nbk.com Thank You. Sustainability E: Sustainability@nbk.com National Bank of Kuwait (NBK) PO Box 95, 13001 Safat Kuwait, Al Shuhada Street, Block 7, Sharq, State of Kuwait National Bank of Kuwait –
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